Lifestyle Inflation- Do Not Stress Over Money With This

I have written about my start in improving my financial situation. You can read about it here.
However it was not an easy and straightforward transformation to actually care about my financial life, my budget, tracking it and actually sticking to it.
It took me a long time to see the value in it and see how it is holistically connected with other parts of my life. 
I felt it did not matter to budget, track or save. Every cent I had was needed somewhere. The money I got was the exact amount that I needed to cover my life.
Budgeting and tracking made no sense, so why do it? 
It would make sense though, once I started to earn more money. If I would have 1000 more that would do it. Then I could save.
Oddly enough, even when I got that 1000 extra it did not help. I found something I needed to spend that on so 1000 was not enough to save. But probably 5000 would be enough. If I would have 5000 more, I would for sure be able to save. It was never enough. 
So I had to look for more students to teach, more translations to do, and just more ways how to get those extra 5000 which I needed which left me working 12+ hours a day, as the rule and not an exception. Thinking back at it, I feel sad about it and how little time with my daughter I had. Spending it working and working. Each hour I increase, my stress and anxiety also increased. Never having time to fully recharge. I could not see how it was all hanging together.  How one part of life, influences the other. 
Only thing I was wondering was how come did I never have any money? I had those 5000 extra but I felt that I had less money than ever. 

Photo by Andrea Piacquadio on Pexels.com

Never Having Enough Money- Lifestyle Inflation

 Many live their life like this. First time it hit me was when a friend of mine had her credit card declined. I could not understand it as I knew that her salary was in the 6 figures.
How could she have no money?

Lifestyle inflation happens when your expenses increase along with your income. As earnings increase, it’s natural to want to buy a better car or take another vacation. After all, it seems feasible. But if your savings rate isn’t at least keeping up with your rising expenses, you could end up worse off compared to when you earned less.

https://www.forbes.com/sites/kristinmckenna/2020/06/22/the-true-cost-of-lifestyle-inflation/?sh=720381212423

How I Started to Say No and the Path to Financial Stability


This was exactly what also I did.
I had a decent salary but still a deep pit in my belly every time I needed to buy groceries.
Would there be enough money in my bank account?
I very often felt that it did not matter how much money I received as it all only disappeared. How was I still struggling paying rent when I had more money coming in than in the past? It was obviously a rigged game and I was the loser.  This was my excuse. I did not want to look myself in the mirror and see what I did wrong. 
What made it change I do not really know. Somewhere the transformation towards a healthier mindset commenced. 
Maybe had I had the feeling of being sick and tired of too long? A life revolved around anxiety and stress and pushing it away with, mostly, food.
The humiliation, stress, worry, and sickening feelings had grown enough big. Something just had to change. 

I started to finally say no.

January Has Come to and End- How Did I do- Life Transformation

I am a Agile Coach, not working as it but have certification in it. I really got hooked on it, as it is so structured and as my life was fundamentally unstructured it was great for me.
One thing I really like in Agile is the idea with retrospectives.
So what is a retrospective? Simply put it is this:

What went well?
What did not go so well?
WHAT CAN I DO DIFFERENT TO MOVE FORWARD?

You obviously need to have a look at your sprint plan and what was the stories that you planned to have finished.
So that is what we are doing today! January sprint is over today so let’s have a look.

So what was the print plan?

What was the plan of the month?

  1. Read on average 1.5 books
  2. Working on my self-love
  3. Keep putting my health first– meaning mindful eating, and work out a min of 5 times a week.
  4. Working on my Czech, a min of 4 times x 30 min a week.
  5. Keep budgeting and adding investing.
  6. Learn something new or improve an a skill, ideas such as an instrument, drawing, handicraft, sewing, on the amount of min 30 min per week.

WHAT WENT WELL?

  1. I did read a book- Good Omen.
  2. Have said no to people I do not want to deal with anymore and work I do not want to be a part of.
  3. Kept the min of 5 times as week. I have done a mix of work out, to my ability in this lock-down world we are living in. I did my fastest and longest run so far.
  4. I did work on my Czech in various books and have spoken at home as well.
  5. I am budgeting, tracking and I added etoro so now I am investing too, which now is divided between two stocks and one cryptocurrency.
  6. I did work on an SEO course.

WHAT DID NOT GO SO WELL?

  1. Had hard time to make the time for this. I read on my phone and I did not like that so much.
  2. I made the task very vague so I find it hard to really see what I need to do in order to work on it.
  3. I cannot really say anything that did not go so well. I have done the best I could do with my abilities in this situation.
  4. I could have been better speaking at home. I do not leave the home very much as we are in lock-down so there are not so many other places to work on it right now.
  5. I have done all what I can do at the moment.
  6. This one I could have worked much more with. The SEO course was quite shit, so I cannot say I learned anything new. I could have worked on sewing and drawing which is free as I have the tools.

WHAT CAN I DO DIFFERENT TO MOVE FORWARD?

  1. Bring the book in my bag as I do not like reading on the phone. Add 30 min before bed. I do enjoy reading.
  2. To make it clearer. What does really self-love mean? I need to rework this plan in general.
  3. That I can do much more than I believe. I can measure more for the future.
  4. 30 min 4 x a week is really doable so I think I will just leave it like this for now and make no changes for following month.
  5. Make a clearer plan in how I want to invest and how much. Write it down so I can see what I am actually investing in and for.
  6. This one is my absolute worst one. I can add much more time. I do a lot of brainless scrolling where I could work on something new instead.

In general I am quite happy with the month. I am quite excited of what February will do for me.
How are your plans and resolutions going so far?

Workout for Weight Loss a la Manka

What do you do for weight loss? Work out or diet?
I do both. And today I want to show you what I do for weight loss.

– How have you gotten this routine, are you a trainer?
You know what? I am not, nor did I get it from a trainer. I have had a trainer in the past, and I am watching an obscene amount of training videos. So I have made my own little routine together and I think it is a full body routine.
If you do not think so, please let me know and what I could do to change it up.
I have just used my own sense if mind, and with the idea that something is better than nothing.

Warm up

We all know how important it is to warm up- don’t we? Truth to be told I never did, until quite recently but I have to say I am totally in for it now.

Warming up helps prepare your body for aerobic activity. A warmup gradually revs up your cardiovascular system by raising your body temperature and increasing blood flow to your muscles. Warming up may also help reduce muscle soreness and lessen your risk of injury.- Mayo clinic

And it is really true. It helps me so much. Slowly adding speed or weight, and fully work out when your body is warm is a game changer.

  • 12 minutes of jumping rope. Trying to run on the spot while jumping.

Main Workout – Resistence & Flexibility

Round 1

Walking down in plank, push up and then jump back up to my feet.

Lunges- crossing the patio of mine while switching leg.

The traditional sit ups x 15 times. I know people say that sit ups are no good, but you know what? I like all exercises I do, and I think they are all good if we do them. All better than nothing. Or?

I this all x 3.

Round 2

Side way plank walk. Not even close to such a plank I, in my imagination, have. To be honest I was slightly shocked how bad plank it is. I have quite a lot of improvement space here. I mean it looks like a upward facing dog, not really as a plank.

Crossing leg x15 times. And yes, this is the same day I just removed my top sweater. I was warm even in the 0 degree Celsius.

Crab walk, again I crossed the patio doing this. And this round I did x 3 again.

I did have a Round 3 as well, but truth to be told the photos were terrible. I was trying to get these better too as they are not the best but it was what I could do.

I am not the best in this field but I am looking into how to improve.

Cool Down

I did not do. I do not understand it really. But I guess it is as important as the warm up, just not getting it. They say stretching is good for the muscles and the soreness afterwards. OK I can see that, but I just feel like I prefer few more minutes of workout than few minutes of cool down.
Anyone has a though on this?

So guys, that was my routine. I really enjoyed it, and it is quite like this I do it.
Will work on my photos so it is easier to actually see what the bloody hell I was doing.
I can tell that I have seen more improvement doing this for about 3 months, than my 5 months in the gyms with weights.

How and what are you doing with your weight loss?